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PagSeguro DigitalBSP:PAGS34 +1.06%88 Return-on-Tangible-Asset is 3.05% as of Mar. 2026, which is 45% below its 10-year median of 5.55. GuruFocus rates BSP:PAGS34 with a GF Score™ of 88/100 and a GF Value™ of R$12.40 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,885 Software companies, PagSeguro Digital ranks better than 54.35% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. PagSeguro Digital's annualizedNet Income for the quarter that ended in Mar. 2026 was R$2,182 Mil. PagSeguro Digital's average total tangible assets for the quarter that ended in Mar. 2026 was R$71,597 Mil. Therefore, PagSeguro Digital's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 3.05%.
The historical rank and industry rank for PagSeguro Digital's Return-on-Tangible-Asset or its related term are showing as below:
BSP:PAGS34'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 3.12 Med: 5.55 Max: 15.15
Current: 3.12
During the past 12 years, PagSeguro Digital's highest Return-on-Tangible-Asset was 15.15%. The lowest was 3.12%. And the median was 5.55%.
BSP:PAGS34's Return-on-Tangible-Asset is ranked better than 54.35% of 2885
companies
in the Software industry
Industry Median: 2.04
vs BSP:PAGS34: 3.12
PagSeguro Digital (BSP:PAGS34) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
PagSeguro Digital Return-on-Tangible-Asset Related Terms
PagSeguro Digital Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for PagSeguro Digital's Return-on-Tangible-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BSP:PAGS34 vs ATEN, PAYO, STNE: Return-on-Tangible-Asset Comparison
For the Software - Infrastructure subindustry, PagSeguro Digital's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PagSeguro Digital Return-on-Tangible-Asset vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital's Return-on-Tangible-Asset falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 3.05% mean?
PagSeguro Digital (BSP:PAGS34) has a Return-on-Tangible-Asset of 3.05% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on PagSeguro Digital and its competitors. This is 45% below median its historical median of 5.55. Over the past decade, PagSeguro Digital's Return-on-Tangible-Asset has ranged from 3.12 to 15.15. According to the industry distribution chart, PagSeguro Digital ranks #1317 out of 2885 companies in the Software industry, placing it in the top 45.6%.
Is PagSeguro Digital's Return-on-Tangible-Asset too high?
PagSeguro Digital's current Return-on-Tangible-Asset of 3.05% is 45% below median its 10-year median of 5.55. Over the past 10 years, this metric has ranged from a low of 3.12 to a high of 15.15. The Software industry median Return-on-Tangible-Asset is 2.04. PagSeguro Digital's value of 3.05% is 49.5% above this industry median. Based on the distribution chart, PagSeguro Digital ranks #1317 out of 2885 companies in the Software industry, which is above the industry midpoint. Overall, PagSeguro Digital has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PagSeguro Digital's Return-on-Tangible-Asset compare to ATEN and PAYO?
According to the Software industry distribution chart, PagSeguro Digital ranks #1317 out of 2885 companies for Return-on-Tangible-Asset. This puts PagSeguro Digital in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.04. PagSeguro Digital's value of 3.05% is 49.5% above this benchmark. Historically, PagSeguro Digital's own Return-on-Tangible-Asset has ranged from 3.12 to 15.15 over the past decade. While the company's 10-year median is 5.55 vs. the industry median of 2.04, PagSeguro Digital has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Software company?
The median Return-on-Tangible-Asset among Software companies is 2.04, based on 2,885 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PagSeguro Digital's current Return-on-Tangible-Asset of 3.05% is 49.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on PagSeguro Digital and its competitors. For the Software industry, the median Return-on-Tangible-Asset is 2.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PagSeguro Digital's current Return-on-Tangible-Asset is 3.05%, which is 45% below median its own 10-year median of 5.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PagSeguro Digital stock overvalued right now?
Based on GuruFocus' analysis, PagSeguro Digital (BSP:PAGS34) is currently considered Modestly Undervalued. The stock's GF Value™ is R$12.40, compared to a current price of R$9.56 — trading 22.9% below its estimated fair value. The current Return-on-Tangible-Asset is 3.05%, which is 45% below median its 10-year median of 5.55 and 49.5% above the Software industry median of 2.04. PagSeguro Digital's overall GF Score™ is 88/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For PagSeguro Digital (BSP:PAGS34), the current Return-on-Tangible-Asset is 3.05% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PagSeguro Digital (BSP:PAGS34) Overvalued in 2026?
Based on GuruFocus' analysis, PagSeguro Digital stock appears to be undervalued.
The current stock price of R$9.56 is trading 22.9% below its estimated GF Value™ of R$12.40.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for BSP:PAGS34:
Return-on-Tangible-Asset: 3.05% (45% below median its 10-year median of 5.55)
GF Value™: R$12.40 vs. price of R$9.56 (22.9% below fair value)
Industry Position: 49.5% above the Software median (#1317 of 2885)
No single metric tells the full story. See the BSP:PAGS34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PagSeguro Digital Ltd is a Brazilian-based company that acts as a provider of financial technology solutions focused on Micro-Merchants, Small Companies and Medium-Sized Companies (SMEs), in Brazil. The company provides a range of solutions and tools such as cash-in and cash-out options and provides access to working capital to help to manage its cash flow. It delivers an end-to-end digital ecosystem to address day-to-day financial needs, including receiving and spending funds and managing and growing businesses for clients. The company also offers the Free PagSeguro Digital Account delivering Cash-In Solutions, Online and In-Person Payment Tools, Online Payment Tools; and Web Check Outs offer tokenization, handling of shipping information, and others.
88GF Score
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